Best variable home loans

RateCity's top-rated home loans with a variable interest rate. Assumes a $400,000 mortgage with a maximum LVR of 80%.

Provider
Ranking
Compare

Australian Credit Licence 237476Fees & charges apply

1

5.94%

5.95%

$3,203

Great Rate

    2024 Award Winner

  • Cashback
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 237476Fees & charges apply

Australian Credit Licence 364320Fees & charges apply

2
2 position down today

5.89%

5.89%

$3,188

Standard Variable Home Loan

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 364320Fees & charges apply

Australian Credit Licence 238139Fees & charges apply

3
3 position down today

5.89%

5.89%

$3,188

Budget Home Loan
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 238139Fees & charges apply

Australian Credit Licence 496431Fees & charges apply

4
4 position down today

5.94%

6.05%

$3,203

Live-in Variable (With Offset)

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 496431Fees & charges apply

Australian Credit Licence 237879Fees & charges apply

5
5 position down today

5.95%

5.95%

$3,206

Up Home
  • Special
  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 237879Fees & charges apply

Australian Credit Licence 238311Fees & charges apply

6
6 position down today

6.00%

6.03%

$3,222

Momentum Home Loan

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 238311Fees & charges apply

Australian Credit Licence 388053Fees & charges apply

7
1 position up today

5.94%

5.99%

$3,203

Eco Home Loan Variable
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 388053Fees & charges apply

Australian Credit Licence 234536Fees & charges apply

8
1 position up today

5.94%

5.99%

$3,203

Everyday Home Loan
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 234536Fees & charges apply

Australian Credit Licence 238273Fees & charges apply

9
2 position down today

6.04%

6.08%

$3,234

Real Deal Home Loan
  • Cashback
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 238273Fees & charges apply

Australian Credit Licence 236476Fees & charges apply

10
10 position down today

5.99%

6.06%

$3,218

GumLeaf Basic Variable Owner Occupied
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 236476Fees & charges apply

Australian Credit Licence 246780Fees & charges apply

11
11 position down today

5.99%

5.99%

$3,218

Country to Coast Home Loan
  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 246780Fees & charges apply

Australian Credit Licence 241167Fees & charges apply

12
12 position down today

5.74%

6.23%

$3,143

Basic Home Loan

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 241167Fees & charges apply

Australian Credit Licence 234945Fees & charges apply

13
13 position down today

5.99%

5.90%

$3,218

    2024 Award Winner

  • Special
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments
More detailsmore-details

Australian Credit Licence 234945Fees & charges apply

Australian Credit Licence 231204Fees & charges apply

14
14 position down today

5.94%

5.99%

$3,203

Basic variable home loan
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 231204Fees & charges apply

Australian Credit Licence 244248Fees & charges apply

15
15 position down today

5.99%

6.00%

$3,218

liteBlue Home Loan

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 244248Fees & charges apply

Australian Credit Licence 231204Fees & charges apply

16
16 position down today

6.04%

6.09%

$3,234

Standard Variable Home Loan

    2024 Award Winner

  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 231204Fees & charges apply

Australian Credit Licence 244310Fees & charges apply

17
4 position up today

6.09%

6.10%

$3,249

New Business Offer - Basic Variable Loan
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 244310Fees & charges apply

Australian Credit Licence 290600Fees & charges apply

18
1 position down today

6.09%

6.12%

$3,249

Offset 80 (OO & Inv Package)
  • Owner Occupied
  • Variable
  • P&I
  • Offset Account

Australian Credit Licence 290600Fees & charges apply

Australian Credit Licence 237391Fees & charges apply

19
1 position down today

6.14%

6.17%

$3,264

    2024 Award Winner

  • Cashback
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments
More detailsmore-details

Australian Credit Licence 237391Fees & charges apply

Australian Credit Licence 241077Fees & charges apply

20
2 position down today

6.09%

6.10%

$3,249

OMG Home Loan
  • Owner Occupied
  • Variable
  • P&I
  • Extra repayments

Australian Credit Licence 241077Fees & charges apply